IndusInd Bank Platinum Aura Edge Credit Card benefits
- Rewards
Choose one of 4 reward plans: Shop, Home, Travel or Party
- RewardsUp to 4
savings points per ₹100 in your plan's top category
- Rewards1
point worth ₹0.40 as cash credit
- Fees
No joining or annual fee in IndusInd Bank's MITC
- Benefit
Travel insurance
including lost baggage cover up to ₹1 lakh
IndusInd Bank Platinum Aura Edge Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| GroceriesHome Plan: 4 savings points per ₹100 on groceries. | 4 points per ₹100 | None |
| Bills and utilitiesHome Plan: 1.4 savings points per ₹100 on mobile and electricity bills and insurance premiums. | 1.4 points per ₹100 | None |
| Everything else | 0.5 points per ₹100 | None |
We value one point at ₹0.4 in the usual redemption.
No rewards on: Fuel.
All reward rules
- You pick one of four reward plans. Each pays 0.5 savings points per ₹100 on all other spends. Our maths uses the Home Plan.
- Shop Plan: 4 points per ₹100 at department stores, 2 on electronics, 1.5 on restaurants and books.
- Home Plan: 4 points per ₹100 on groceries, 1.5 on medical spends, 1.4 on mobile and electricity bills and insurance.
- Travel Plan: 4 points per ₹100 on hotels, 2.5 on airline tickets, 1.5 on car rental and rail tickets.
- Party Plan: 4 points per ₹100 on restaurant bills, 2 at department stores and in bars and pubs, 1.5 on movie tickets.
- IndusInd Bank converts Platinum Aura points to cash credit at 1 point = ₹0.40, so we use ₹0.40. Cash redemption is capped at 2,500 points a calendar month.
- Discount vouchers from brands such as Amazon, Flipkart, Uber and Apollo Pharmacy through Vouchagram.
What the IndusInd Bank Platinum Aura Edge Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 1.6% | ₹1,920 |
| Dining and food delivery | ₹9,000 | 0.2% | ₹216 |
| Online shopping | ₹3,000 | 0.2% | ₹72 |
| Travel | ₹1,000 | 0.2% | ₹24 |
| Fuel | ₹2,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0.56% | ₹202 |
| Everything else | ₹2,000 | 0.2% | ₹48 |
| Total | ₹30,000 | ₹2,482 | |
| Renewal fee with GST | None | ||
| You keep | ₹2,482* |
IndusInd Bank Platinum Aura Edge Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
IndusInd Bank's MITC lists no joining or annual fee for the Platinum Aura Edge card, and says the actual fee is told to you when you apply. The welcome gift comes only on select fee plans.
Fuel surcharge: 1% fuel surcharge waiver at petrol pumps across India.
IndusInd Bank Platinum Aura Edge Credit Card eligibility
IndusInd Bank does not list age or income rules on the Platinum Aura Edge card page.
The bank alone decides approval and your credit limit.
IndusInd Bank Platinum Aura Edge Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the IndusInd Bank Platinum Aura Edge Credit Card right for you?
A lifetime free card, paying 1.6% on groceries and a below-average 0.2% elsewhere.
Good for you if
- You spend a lot on groceries: the card pays 1.6% back there, against 0.2% on most other spends.
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
Not for you if
- You want strong rewards on everyday spending: most spends earn 0.2%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IndusInd Bank Platinum Aura Edge Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IndusInd Bank Platinum Aura Edge Credit Card | Free | 1.6% | ₹1,786* |
| HSBC Visa Platinum Credit Card | Free | 1.18% | ₹4,261* |
| Kiwi RuPay Credit Card on UPI | Free | 1.5% | ₹3,360* |
If most of your spending looks like the example above, the HSBC Visa Platinum Credit Card may suit you better: it would leave you ₹4,261 a year, against ₹2,482 with the IndusInd Bank Platinum Aura Edge Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Is the IndusInd Bank Platinum Aura Edge Credit Card free?
IndusInd Bank's MITC lists no joining or annual fee. The bank says the actual fee is told to you when you apply.
What are the reward plans on the Aura Edge card?
Shop, Home, Travel and Party. Each plan pays up to 4 savings points per ₹100 on its own categories and 0.5 points per ₹100 on everything else.
How much is one Aura Edge reward point worth?
₹0.40 when converted to cash credit.